Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Rice Lake, WI metro
- Royal Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.40%–3.60% by balance
Credit union · 1 branch
3.40%APY$340 a year on $10,000with conditionsRequirements
Product: To earn qualified APY, must be Tax Reported Owner of a primary base savings account and an eligible Royal checking account with at least $500 in cumulative qualifying direct deposits. Cadence is stated as every 60 days on the product page or every 45 days in footnote 3. One high-yield savings account per Tax Reported Owner. If requirements are not met, non-qualified APY applies. No minimum balance required to open.
Qualified rate · 0.40% interest rate
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $10,000 0.40% $10,000 – $100,000Your amount 3.40% $100,000 – $250,000 3.60% Over $250,000 1.75% Rate checked
More details - 3.30%APY$330 a year on $10,000
Requirements
Product: Special savings account locking funds for 8 months. No minimum opening balance. Substantial penalty for early withdrawal. After 8 months, enters a 10-day grace period to make changes or it re-locks for another 8 months.
Offer: 8 Month term
3.25% interest rate · Effective Feb 2, 2026
Rate checked
More details - Royal Credit UnionSave & Spend Duo SavingsSavings · $0 min · 0.40%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Combined with Duo Checking. $5 monthly fee waived when making at least 20 debit card purchases each calendar month and logging in to online or mobile banking at least once every 90 days. Includes Debit Roundup feature. No minimum balance to open or earn APY.
Offer: On the first $10,000
Qualified rate · 2.96% interest rate · $5 monthly fee · Effective Feb 23, 2026
Rate by balance
Rate by balance for Save & Spend Duo Savings Balance APY Up to $10,000Your amount 3.00% Over $10,000Amounts over $10,000 0.40% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.35%APY$135 a year on $10,000
Requirements
Product: No minimum balance. No monthly maintenance fee. Membership required and account opening upon qualification.
Offer: Minimum balance of $.01 to earn APY. Rates may change after account is opened.
0.80% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 1.35% $25,000 – $50,000 1.65% $50,000 – $100,000 1.80% $100,000 – $250,000 2.00% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 1 branch
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: No monthly service charge with average daily balance of $500, otherwise $25. Must enroll in e-Statements or pay a $2 monthly paper statement fee. Check writing available.
Offer: Monthly fee waived with an average daily balance of $500.
1.25% interest rate · $25 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for MORE Money Market Balance APY Up to $25,000Your amount 1.26% $25,000 – $100,000 1.76% $100,000 – $249,999 2.03% $250,000 – $500,000 2.54% $500,000 and up 3.05% Rate checked
More details - WESTconsin Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.40%–1.92% by balance
Credit union · 2 branches
1.26%APY$126 a year on $10,000Requirements
Product: Dividends compounded monthly. No minimum deposit or withdrawal amount; unlimited in-person withdrawals and deposits.
0.40% interest rate · Compounded monthly · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 0.40% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.51% $50,000 – $100,000 1.76% $100,000 and up 1.92% Rate checked
More details - WESTconsin Credit UnionAchieve Money Market AccountAchieve Money Market Account · $0 min · 1.26%–1.92% by balance
Credit union · 2 branches
1.26%APY$126 a year on $10,000Requirements
Product: $15 monthly fee waived if balance is $25,000 or more. Unlimited deposits of at least $1,000. Up to 3 withdrawals per month of at least $1,000; excess withdrawal fee applies for more than 3 per month.
Offer: $15 fee assessed if balance drops below $25,000. $1,000 minimum deposit and withdrawal. Up to 3 withdrawals per month.
1.25% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Achieve Money Market Account Balance APY Up to $25,000Your amount 1.26% $25,000 and up 1.92% Rate checked
More details - Superior Choice Credit UnionPremier Money Market AccountsPremier Money Market Accounts · $2,500 min · 0.50%–2.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Membership eligibility required. $2,500.00 minimum opening requirement. If the balance falls below the $2,500.00 minimum balance requirement, a $10.00 monthly maintenance fee will be imposed. Rates may change at anytime after account opening. Fees may reduce earnings on the account.
Offer: If balance falls below $2,500.00, a $10.00 monthly maintenance fee applies.
$10 monthly fee
Rate by balance
Rate by balance for Premier Money Market Accounts Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.00% $50,000 – $100,000 1.75% $100,000 – $250,000 2.00% $250,000 and up 2.50% Rate checked
More details - 0.95%APY$95 a year on $10,000
Requirements
Product: Rates, terms and conditions are subject to change. Fees and withdrawals could reduce earnings. Annual Percentage Yield (APY) assumes that interest will remain on deposit.
0.40% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 and up 0.40% $10,000 and upYour amount 0.95% $25,000 and up 1.61% $100,000 and up 2.68% $500,000 and up 2.84% $1,000,000 and up 3.04% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must Have a BEYOND SPEND Account, ONE Account Available Per Primary Tax ID.
Offer: Up to $4,999.99; Must Have a BEYOND SPEND Account, ONE Account Available Per Primary Tax ID.
Qualified rate · 1.49% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Beyond Save Balance APY Up to $5,000 1.50% $5,000 – $25,000Your amountBetween $5,000.00-$24,999.99; APY ranges from 0.70% to 1.50%; 0.50%* $25,000 and upOver $25,000.00; APY ranges from 0.25% to 0.70%; 0.10%* Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: $5 minimum opening deposit and minimum balance to open Membership account, no minimum balance for additional savings accounts. $0.01 minimum balance to earn APY. Establishes credit union membership.
0.40% interest rate · Effective Jul 1, 2023
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Minimum opening deposit of $5 required to establish credit union membership.
0.40% interest rate · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Rice Lake, WI metro
34 accounts at 10 banks and credit unions · checked Oct 16–17
- Typical
- 0.33%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.70%
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Rice Lake, WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- WESTconsin Credit UnionCredit union · 2 branches
- Royal Credit UnionCredit union · 1 branch